Back Pain Tips

Workers’ Comp varies from state to state and it depends on what kind of work you did, how you were injured and what salary you were drawing.
In some cases you are going to get a weekly amount that has a set limit times a certain number of weeks until you reach the overall limit.
In some cases, your state may authorize lump sums for total disability.
Either way, unless you had a supplemental disability insurance policy, you are going to find it is only a small fraction of what your working wages were.
If you have another supplemental disability policy that will help, but more than likely you’ll have to go on some sort of public assistance to make ends meet because you’ll find what you are going to get from work comp is not going to be very much.
This points out why it is really, really, really important for workers to seriously consider disability income (DI) insurance. Many employers offer a group plan that is just a few dollars a week but will pay big time in the long run in the event something like this happens.
Sadly most workers are just too cheap to pay for this kind of coverage and then complain about how bad off they are when they are totally disabled, when they could have easily prevented financial ruin with a very inexpensive insurance policy.